Can I get the same credit card that my wife/husband has?

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91TwilightGT
 
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Can I get the same credit card that my wife/husband has?

Postby 91TwilightGT » Sat Dec 07, 2013 4:09 pm

Hi,

Recently my wife signed up for a Bank of America Cash Rewards Card for the rewards and 0% intro offer. We used the card to finance some medical bills for our son, but I don't want to use it for anything else until it is paid in full.

My question is, since my Wife is the only one listed on the card, am I able to apply for the same card in my own name and use it as a gas card, or would Bank of America not want to issue two of the same card with different accounts to a single household?


MemberSince99
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Postby MemberSince99 » Sun Dec 08, 2013 8:11 pm

They might issue you one, but they would base that on your credit. As far as I know they wouldn't say you also couldn't have one. But it might be best to call them and ask.


Also your wife could just make you an authorized user of her card if that works.

samhradh
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Postby samhradh » Sun Dec 08, 2013 8:31 pm

Feel free to apply. The credit card will be issued in your name, and acceptance will be based on your credit history, not your household's. Do not become an AU on your wife's card as then it will show up on your CR.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

sj632
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Postby sj632 » Sun Dec 08, 2013 8:35 pm

samhradh wrote:Feel free to apply. The credit card will be issued in your name, and acceptance will be based on your credit history, not your household's. Do not become an AU on your wife's card as then it will show up on your CR.


I agree 100% with this

takeshi
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Postby takeshi » Mon Dec 09, 2013 8:55 am

91TwilightGT wrote:or would Bank of America not want to issue two of the same card with different accounts to a single household?

Can't speak to BofA but in general this isn't an issue with creditors. My wife and I each have our own UMPE's from Chase.

91TwilightGT
 
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Joined: Mon Sep 16, 2013 4:38 pm
Location: St. Louis, MO

Postby 91TwilightGT » Mon Dec 09, 2013 5:31 pm

Thanks guys! I'd like to have one to use solely as a gas card, and this one seems to be a good way to do that.



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